{"id":133652,"date":"2026-01-15T10:36:29","date_gmt":"2026-01-15T08:36:29","guid":{"rendered":"https:\/\/www.santaka.info\/?p=133652"},"modified":"2026-01-15T10:36:29","modified_gmt":"2026-01-15T08:36:29","slug":"nutraukti-pensiju-kaupima-suplanavo-beveik-kas-antras-ka-darys-su-atsiimtais-pinigais","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2026\/01\/15\/nutraukti-pensiju-kaupima-suplanavo-beveik-kas-antras-ka-darys-su-atsiimtais-pinigais\/","title":{"rendered":"Nutraukti pensij\u0173 kaupim\u0105 suplanavo beveik kas antras: k\u0105 darys su atsiimtais pinigais"},"content":{"rendered":"<p><strong>Kone kas antras (43,3 proc.) antroje pensij\u0173 pakopoje dalyvaujantis Lietuvos gyventojas planuoja i\u0161 jos pasitraukti, o beveik tre\u010ddalis \u0161i\u0173 asmen\u0173 yra apsisprend\u0119 atsiimtas l\u0117\u0161as perinvestuoti, rodo naujausia, prie\u0161 pat 2025 m. pabaig\u0105 \u201eCitadele\u201c banko u\u017esakymu atlikta gyventoj\u0173 apklausa.<\/strong><\/p><p>Kiek daugiau nei ketvirtadalis (27,1 proc.) kaupian\u010di\u0173j\u0173 gruod\u017eio pabaigoje nurod\u0117 vis dar nesantys pri\u0117m\u0119 tvirto sprendimo, o t\u0119sti kaupim\u0105 planuoja 29,6 proc. gyventoj\u0173.<\/p><p>\u201e\u012evairios apklausos nuo pat rudens signalizavo apie didel\u012f gyventoj\u0173 susidom\u0117jim\u0105 atsiimti sukauptas l\u0117\u0161as, o naujausi\u0105 m\u016bs\u0173 apklaus\u0105 patvirtino ir real\u016bs veiksmai. Vos atsiradus galimybei atgauti dal\u012f l\u0117\u0161\u0173, pirmosiomis \u0161i\u0173 met\u0173 dienomis \u201eSodr\u0105\u201c bei pensij\u0173 fond\u0173 valdytojus u\u017epl\u016bdo itin didelis u\u017eklaus\u0173 srautas\u201c, \u2013 sako \u201eCitadele\u201c banko Lietuvos filialo vadovas Darius Burdaitis.<\/p><p><strong>\u017dada investuoti kitur<\/strong><\/p><p>Tyrimo duomenimis, daugiausia apklaust\u0173j\u0173 i\u0161siimtas l\u0117\u0161as planuoja nukreipti investicijoms \u012f \u012fvairius fondus, akcijas, tre\u010di\u0105j\u0105 pensij\u0173 pakop\u0105 ar kitus finansinius instrumentus (31 proc.). Tiesa, \u0161i\u0105 krypt\u012f daugiau renkasi vyrai (38 proc.) nei moterys (23 proc.) bei jaunesni nei 49 met\u0173 gyventojai.<\/p><p>Po 16 proc. respondent\u0173 nurod\u0117, kad kaupimo l\u0117\u0161as numato panaudoti esamiems finansiniams \u012fsipareigojimas padengti, pavyzd\u017eiui, paskoloms arba lizingui, ar \u0161iuos pinigus tiesiog laikyti banke.<\/p><p>\u201eSvarbu nepamir\u0161ti, kad antrojoje pensij\u0173 pakopoje sukauptos l\u0117\u0161os yra skirtos ilgalaikiam finansiniam saugumui u\u017etikrinti. Nusprendus jas atsiimti, vert\u0117t\u0173 pasikonsultuoti su finans\u0173 \u012fstaig\u0173 ekspertais d\u0117l kit\u0173 prieinam\u0173 bei suprantam\u0173 taupymo ar investavimo sprendim\u0173. Pinig\u0173 laikymas einamojoje s\u0105skaitoje n\u0117ra saugus pasirinkimas, nes vien infliacija per de\u0161imtmet\u012f gali pasiglem\u017eti apie tre\u010ddal\u012f santaup\u0173 vert\u0117s\u201c, \u2013 teigia D. Burdaitis.<\/p><p><strong>Vilioja nuosavas b\u016bstas<\/strong><\/p><p>Prognozuojama, kad \u0161i\u0173 met\u0173 pirm\u0105j\u012f pusmet\u012f papildomo impulso sulauks ir nekilnojamojo turto (NT) sektorius. Apklausos duomenys atskleid\u017eia, jog reik\u0161minga dalis atsiimam\u0173 l\u0117\u0161\u0173 gali b\u016bti nukreipta \u012f b\u016bsto rink\u0105: 15 proc. gyventoj\u0173 sukauptus pinigus ketina skirti nam\u0173 atnaujinimui, o dar 10 proc. \u2013 naujo turto \u012fsigijimui.<\/p><p>\u201eNet penktadalis 18\u201329 met\u0173 am\u017eiaus kaupian\u010di\u0173j\u0173 atsak\u0117, kad \u0161ias l\u0117\u0161as planuoja panaudoti pradiniam \u012fna\u0161ui ir \u012fsigyti NT. Sostin\u0117je toliau tr\u016bkstant naujo b\u016bsto pasi\u016blos, tokios tendencijos veikiausiai prisid\u0117s prie dar spartesnio NT kain\u0173 augimo pirmin\u0117je rinkoje bei pasirinkimo ribotumo\u201c,&nbsp;\u2013 priduria \u201eCitadele\u201c banko Lietuvos filialo vadovas.<\/p><p>Palyginus su ankstesn\u0117mis apklausomis, \u0161iek tiek suma\u017e\u0117jo dalis gyventoj\u0173, planuojan\u010di\u0173 pinigus nukreipti ne pirmo b\u016btinumo vartojimo prek\u0117ms. Pavyzd\u017eiui, buitin\u0119 technik\u0105 ar elektronik\u0105 planuoja \u012fsigyti vos 3 proc. respondent\u0173. Visgi 7 proc. kaupian\u010di\u0173j\u0173 atsiimtas l\u0117\u0161as planuoja i\u0161leisti kelion\u0117ms ir laisvalaikiui, o 6 proc. \u2013 \u012fsigyti nauj\u0105 transporto priemon\u0119.<\/p><p>\u201eGeriau dar prie\u0161 atsiimant l\u0117\u0161as, jeigu visgi asmuo pri\u0117m\u0117 tok\u012f sprendim\u0105, jau tur\u0117ti ai\u0161k\u0173 plan\u0105, kur ir kaip pinigai gali b\u016bti panaudoti, antraip dalis j\u0173 nueis tiesiog vartojimui. Tada matysime labai pana\u0161\u0173 scenarij\u0173, kaip nutiko ir Estijoje, kai \u017emon\u0117s, atsi\u0117m\u0119 pinigus, did\u017ei\u0105j\u0105 dal\u012f j\u0173 i\u0161leido vos per kelis m\u0117nesius\u201c, \u2013 atkreipia d\u0117mes\u012f D. Burdaitis.<\/p><p>Taip pat 13 proc. gyventoj\u0173 nurodo planuojantys pinigus skirti asmenin\u0117ms reikm\u0117ms, tokioms kaip sveikata ir savi\u0161vieta. \u0160i tendencija ypa\u010d ry\u0161ki vyresnio am\u017eiaus grup\u0117je \u2013 tarp 60\u201368 met\u0173 respondent\u0173 tokius prioritetus \u012fvardija beveik ketvirtadalis (23 proc.).<\/p><p><em>\u201eCitadele\u201c banko u\u017esakymu reprezentatyvi\u0105 Lietuvos gyventoj\u0173 apklaus\u0105 2025 m. gruod\u017eio 17-26 d. atliko tyrim\u0173 agent\u016bra \u201eNorstat\u201c. Internetin\u0117s apklausos b\u016bdu apklausta ma\u017eiausiai 1000 Lietuvos gyventoj\u0173 nuo 18 iki 68 met\u0173.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Kone kas antras (43,3 proc.) antroje pensij\u0173 pakopoje dalyvaujantis Lietuvos gyventojas planuoja i\u0161 jos pasitraukti, o beveik tre\u010ddalis \u0161i\u0173 asmen\u0173 yra apsisprend\u0119 atsiimtas l\u0117\u0161as perinvestuoti, rodo naujausia, prie\u0161 pat 2025&#8230; <\/p>\n","protected":false},"author":13,"featured_media":133653,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"Asociatyvi Pexels.com nuotr.","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-133652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-scaled.jpg",2560,1381,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-300x162.jpg",300,162,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-768x414.jpg",768,414,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-1024x552.jpg",1024,552,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-1536x828.jpg",1536,828,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-2048x1105.jpg",2048,1105,true],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-600x324.jpg",600,324,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/\" rel=\"category tag\">Aktualijos<\/a>","tag_info":"Aktualijos","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2026\/01\/Asociatyvi-nuotr._Pexels-scaled.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133652","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=133652"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133652\/revisions"}],"predecessor-version":[{"id":133654,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133652\/revisions\/133654"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/133653"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=133652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=133652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=133652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}